Auto Insurance Across Illinois, Indiana & Wisconsin
One Call Gets You Quotes from Dozens of Carriers
We Shop the Market. You Get the Best Rate.
Most drivers overpay for auto insurance not because competitive rates don't exist — but because finding them takes time most people don't have.
We compare rates across Progressive, Liberty Mutual, The Hartford, Travelers, and dozens of additional carriers simultaneously and return your best option in a single conversation.
One call. Multiple quotes. We shop so you don't have to.
Prime is an authorized Progressive agent — which means we quote and bind Progressive policies directly. We also compare Progressive against every other carrier we represent, so clients who arrive searching for a Progressive agent get a full market comparison, not just one company's rate.
State Minimums Protect
the State. We Protect You.
Illinois, Indiana, and Wisconsin each require minimum auto liability coverage — but all three states set minimums that are generally insufficient for real-world risk levels.
In Illinois, the minimum is $25,000 per person and $50,000 per accident in bodily injury liability, plus $20,000 in property damage.
Indiana and Wisconsin carry similar minimum structures.
A serious multi-vehicle accident involving medical costs, lost wages, and vehicle replacement can exceed those minimums within a single claim — regardless of where it happens.
When that happens, the gap between the payout and the actual loss comes out of your pocket. We build coverage that reflects real-world risk, not the floor the state requires.
What Your Auto Policy Covers
A well-structured auto insurance policy goes beyond liability.
These are the coverage types that determine whether your policy actually protects you when it matters.
- Comprehensive coverage pays for damage not caused by a collision — hail, theft, falling objects, flooding, and animal strikes. The Midwest sees significant hail events most years, making this coverage particularly relevant across Illinois, Wisconsin, and Indiana.
- Collision coverage pays to repair or replace your vehicle after an accident, regardless of fault.
- Uninsured and underinsured motorist coverage steps in when the at-fault driver has no insurance or insufficient coverage to pay the claim. Illinois has one of the higher rates of uninsured drivers in the Midwest.
- Gap coverage covers the difference between what your car is worth and what you still owe if it's totaled — critical for any driver who financed or leased a new vehicle.
- Roadside assistance covers towing, flat tire service, lockout, and fuel delivery — worth having for any driver navigating Midwest winters.
- Rental coverage pays for a rental vehicle while your car is being repaired after a covered claim.
Adding a Teen Driver? We Know Which Carriers Price Young Drivers Fairly.
Adding a new driver to a household policy can increase premiums sharply — but not equally across carriers. Rates for teen and new drivers vary significantly by insurer, vehicle, household driving history, and available discounts.
We shop those variables across multiple carriers and know which ones offer the most competitive pricing for young drivers across Illinois, Indiana, and Wisconsin — including good student discounts, driver training credits, and usage-based programs that reward safe driving with lower rates.
Adding a teen driver doesn't have to mean doubling your bill.
Frequently Asked
Questions About Auto Insurance
How much is car insurance in Illinois, Wisconsin, or Indiana?
Auto insurance rates vary based on your driving history, vehicle type, coverage levels, and carrier. The fastest way to get an accurate number for your profile is to call us — we run quotes across multiple carriers in a single conversation and return the best available rate for your specific situation.
How do I find an independent auto insurance agent?
Prime Insurance Agency serves drivers across Illinois, Wisconsin, and Indiana from our office in Roselle, IL. As an independent agent, we compare rates across multiple carriers and return your best option — not the rate a single company happens to offer. Call (630) 539-0123 or submit a quote request online.
Is Prime Insurance an authorized Progressive agent?
Yes. We are a licensed Progressive authorized agent. We quote Progressive policies directly and also compare Progressive rates against every other carrier we represent — so clients who arrive searching for Progressive get a full market comparison in the same call.
Can I get auto insurance for a new or teen driver through an independent agent?
Yes. We work with carriers that offer competitive pricing for new and teen drivers across Illinois, Wisconsin, and Indiana — including good student discounts, driver training credits, and usage-based programs. Call us before assuming any single carrier's rate is the best available.
Is the state minimum auto insurance enough coverage?
For most drivers, no. State minimums in Illinois, Wisconsin, and Indiana leave meaningful exposure in a serious accident involving medical costs, lost wages, and vehicle replacement. We walk through what adequate coverage looks like for your situation at no obligation.
What is gap coverage and do I need it?
Gap coverage pays the difference between what your car is worth and what you still owe if it's totaled. If you financed or leased a new vehicle, the loan balance can exceed the car's market value — especially in the first few years. Gap coverage closes that gap so you're not paying out of pocket for a car you no longer have.
Does Prime Insurance offer auto coverage in Wisconsin and Indiana?
Yes. Prime is licensed in Illinois, Wisconsin, and Indiana and places auto insurance for drivers across all three states. Whether your vehicle is registered in one state or you split time across multiple states, we structure coverage that fits your situation.